I never paid cash for any of my tractors, always financed them because the finance charges were a write off and tax offset for the farm. Been paid for for a long time and I'm not about to buy any new ones as I don't cotton to the T4 stuff at all. However I do upgrade implements like round bailers and disc mowers once they are fully depreciated, which in my case is 5 years.
In case, I'm not brand loyal at all. Just so happens that the Kubota dealer I deal with is very straight up and fair so he gets my business, plus he also sells NH and I feel NH hay tools are the best. I would never consider any NH tractor however, way too 'European' for my taste.